Impaired Risk
Better underwriting outcomes start with better questions. Download our public underwriting guides, or unlock our full library with free registration.
Most underwriting problems happen because:
- Key medical details were missed
- The wrong carrier was selected
- The case was submitted too early
- Important underwriting questions were never asked
Our guides are intended to help agents gather better underwriting information before the application is submitted.
Diabetes Underwriting Guide
Our diabetes underwriting guide will help you better serve clients with diabetic conditions of any type. Our team can help you identify the product options that are right for these clients.
Help identify:
- Control and stability
- Insulin history
- A1C trends
- Complications
- Related cardiac concerns
Sample Questions
- Type 1 or Type 2?
- What age was the client diagnosed?
- Most recent A1C?
- Average A1C over the last few years?
- Any insulin use?
- Any recent medication changes?
- Any neuropathy, kidney concerns, or retinopathy?
Cancer History Questionnaire
This non-specific cancer questionnaire will help determine which specific guides or questionnaires are needed. Upon logging into the Portal Dashboard, you can choose from a list of specific cancer questionnaires.
Help identify:
- Treatment history
- Recurrence risk
- Current monitoring
- Underwriting timing concernss
Sample Questions
- Type of cancer?
- Date diagnosed?
- Stage and grade?
- Surgery, radiation, or chemotherapy?
- Date treatment completed?
- Any recurrence?
- Current follow-up schedule?
Cancer type specific guides are available with free registration
Build & BMI Underwriting Guide
Use our general build reference chart to better understand how build may impact underwriting outcomes.
Build is one of the most carrier-specific underwriting factors in life insurance. Even small differences in height and weight can significantly impact underwriting outcomes.
Help identify:
- Higher BMI cases
- Muscular builds
- Weight-loss history
- Diabetes + build combinations
Important Note
Every insurance carrier maintains their own build chart and guidelines. Our team is adept at helping you identify the optimal carrier based on BMI and build considerations. To learn more, contact us.
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